A car insurance personal injury protection policy covers expenses you incur as the result of an accident. Unlike a bodily injury policy, personal injury protection pays for your medical bills, regardless of who was at fault. It can also pay for reasonable medical expenses and procedures you or another person may need. The cost of this type of insurance coverage depends on the state you live in and the amount of deductible you have.
Bodily injury liability insurance
Bodily injury liability insurance is a type of coverage that pays out if you cause an accident that results in a third party getting hurt. Your bodily injury liability insurance covers any property damage or serious injuries that result from your accident. The insurance company is legally obligated to defend you against third-party claims.
Bodily injury liability insurance covers medical bills, pain, suffering, and attorney fees. It can also pay for funeral expenses and compensation for income lost. This coverage does not cover the medical expenses of the passengers or drivers.
Collision coverage is included in car insurance policies. It covers you if you cause an injury or property damage to another person, and you are responsible for any accident. This coverage will normally pay the actual cash value of another person’s vehicle less any depreciation. This limit is lower than your deductible, and may not allow for you to replace the vehicle of another person with a newer model.
If you are at fault in a car accident, your car insurance policy should pay for repairs. This is because collision coverage is mandatory. Without it, you must pay for the repairs yourself. But if the other driver is underinsured, their insurance company won’t pay for them.
Roadside assistance can be a great way for you to get help in the event of an accident or unexpected breakdown. You will need your insurance policy number to get help. This number can be found on your insurance ID cards. If the vehicle is not drivable, the roadside assistance service will come to pick it up and tow it for you. It is important to note that towing is not available for accidents or mechanical issues.
Roadside assistance services are available around the clock and cost $100 per incident. Additional limits can be purchased through your Shelter agent. These plans are intended to simplify your life. They can help you with simple repairs, lockouts, and more. They can even help you get your vehicle out of a ditch!
Gap insurance for car insurance can help you avoid having to pay for repairs yourself if you are in an accident. This type of insurance covers the difference in the car’s actual cash value and the amount you owe. This can save you thousands of dollars.
Gap insurance can be purchased through your dealer, your insurance company or your leasing company. It may even be included in your lease agreement in some cases. However, you should not buy gap insurance if you have a low down payment, as this will reduce your equity in the car.